http://www.straitstimes.com/singapore/educ...not-on-approved

Low SES leh. High SES investors play private equity, structured products, angel investing, art, wine, golf club collections, etc. Me I can't even afford to pay fund managers for unit trusts so I can only go into index ETFs.

Yes. And in the long term and the long run, the majority of these fund managers don't even give you returns equal to the market.

https://www.marketwatch.com/story/why-way-f...ught-2017-04-24



If you think you are smart enough to choose the winning 1 out of 20 funds, or to choose the winning x% of stocks that outperform the market then by all means go ahead.

For me, I am not smart enough to do any of those things so I just settle for (almost) market returns.

Yes you can apply. But to get it approved within 3months nowadays is somewhat difficult, it seems to be around 5-9mths (or even more in some cases).

I don't have personal experience, but apparently transfer means no need to pay disconnection (you) / reconnection (landlord) fee.

Nothing can be done liao lah. Law is clear on the matter, EA doesn't protect employees earning rm100k+/year. Even the website that you posted says as much:

"An employee who is not covered by the EA is only entitled to termination benefits if it is provided in his employment contract. If the contract is silent, then it is up to the employer whether or not to pay termination benefits, and how much to pay.

Employers who are carrying out a retrenchment due to serious financial difficulties may also be excused from paying retrenchment benefits."

This post has been edited by deodorant: Apr 6 2018, 07:58 AM

Make sure you factor in the cost of maintenance in your calculations. Parking especially is a bitch if you're working in the CBD.

You should have requested for early assessment on the IRAS website, but I guess that's too late liao. Now you just can only wait for your turn to come up in IRAS' processing. For me I normally get my NOA only around May-June.

[edit] Have you talked to your HR? Even though you are on auto inclusion scheme, the company should still (be able to) issue you a separate IR8E.

This post has been edited by deodorant: Apr 20 2018, 12:43 PM

When you live and work in SG do you spend in myr?

In any case "5 figure my" is a pointless piece of information. Do you mean rm10,000 or rm90,000?

Are you a fresh grad or already have lots of experience?

This post has been edited by deodorant: Apr 22 2018, 12:15 PM

Read my 2nd line lo. 10years exp and rm90k is pretty amazing. 10years exp and rm10k is pathetic cos the equivalent s$3.4k is basically fresh grad salary (if you graduate from local autonomous universities).

Yes of course there are. After all the median salary across the island is around $3600. But the guy asking provided no information at all about himself other than the company name, so I made the assumption that he is degree educated, and is fairly experienced and senior (for a 10-year experience IT industry person).

The best is whichever telco gives your company the best CIS discounts.

There's not much difference anyway. Even entering with your IPA you still get the same 30days white card. But yes, next week when you come in just come in as a normal tourist/visitor.

Yes, and for us old timers we won't know of these changes. I remember a few months ago I forgot the topic liao but I screwed one forumer here for giving wrong info about something. Turns out it was correct info and my info (based on my own experiences many years ago) already outdated, lol. End up kemaluan aku sangat besar.

Closing of tax file to go work overseas supposed to be done via CP21 form, which is supposed to be prepared by your Malaysia employer before your last day. If already passed that I don't know what the process is or what documentation needed.

Not so straightforward. REP = Re-Entry Permit. If your REP can't get renewed, it doesn't mean SG kicks you out, you can still stay in the country indefinitely, look for a job, etc as long as you don't leave.

This post has been edited by deodorant: Jun 5 2018, 09:15 PM

SIC job opportunity for those of us looking out. After add in employer CPF then is even higher pay than Malaysia MP/minister liao!!



https://mothership.sg/2018/06/hai-di-lao-si...job-dishwasher/

This post has been edited by deodorant: Jul 1 2018, 07:29 PM

Depends on your lifestyle. Basic lifestyle rent room 600-800, food 500, handphone and transport 200, add on entertainment, rokok, shopping, etc etc lo.

Is like that one lor. Actually if you're willing to stay a bit further away from town, top up a few hundred more can rent condo liao, then got swimming pool bbq pit gymnasium etc etc.

I hope you don't mean that you stayed in SG for a continuous 60 days without going back to MY.
Anyway each entry max 30 days.
But subject to a 60/90 rule -- can only stay 60 days in a 90 day period. So if you cumulative already stayed 60 days, when you leave SG you need to wait 30 days before coming back in.